Good guess Sneaky but I have to disagree... there are things you guys are not aware of necessarily and those that do will not divulge it on an open forum. Secondly, Heritage got enough juice to tell SBR to F%ck off... they did for 9 years and that is part of the reason they were kept at a B+ all that time eventhough the supossed official reason was they were a VIP invite only book and an invite only service cannot qualify for a higher rating... if your guess were true all of the advertising would be stripped, since their main banner is still at the top I would have to disagree, OH... and I know the truth. I like the way you think though so keep it coming... in general not about Heritage.